WHO IS IT
Who is TZ Insurance?
We are a national agency that specializes in Medicare health plan enrollments.
I don’t have time right now OR can you call me back
I understand your time is valuable, but if you have 2-3 minutes to spare, I would like to see if you qualify for additional benefits to determine if a callback is necessary. Do you have Parts A & B?
I am not interested.
I have spoken with many people who felt the same way that you do right now. After speaking with them we were able to enhance their situation by either lowering their health and prescription costs or improving their benefits. Plan selection is based on your area. May I have your zip code please?
Medication not covered
Your medication is not covered but what you can do is talk with your Dr to see if an alternative medication will work for you. ADD FORMULARY EXCEPTION INFO Any other medications?
I didn’t know someone would be calling me.
The reason for my call today is we are processing your request about the Medicare health plans in <County> and need to determine what benefits you may be eligible for. May I have your zip code?
I (don’t remember) didn’t ask for any information.
Sometimes I can’t remember what I did yesterday. This request was about the new Medicare health plan in <County>, and what benefits you may be entitled to. Were you looking for this information for yourself, or someone else?”
I have already taken care of that.
I talk to a lot of people who already have plans and what I was able to do is find them additional benefits in their area and save them money – which I want to do with you. What’s your zip code….
Dr not covered
Dr X has decided not to take the plan that will give you benefit 1, benefit 2 and benefit 3 that are important to you. Not to worry, you can still take advantage of the plan, I’ll just need to assign a different doctor. Do you prefer male or female?
I’m looking for another carrier.
I work with many plans in your area and when working with someone such as yourself, I make my recommendation based off what you are looking for in a plan. My goal is to find a plan that suits you and not a company. What is your zip code?
Can you send me something by mail (or email)?
“I’ll be happy to send you information. Go ahead, get in front of your computer and let me know when you have your email open.” < WAIT … once they have it open > “Ok, let me send it now so we and go over it with you to address your questions and concerns. What is your email address?”
I want to think about it.
Sure, it is a very important decision, but sounds like there are still some questions that I have not answered yet. Generally, when people have questions it’s either not a good fit, they have a question about the features, or they don’t like the price. Which one of those is it for you?
Someone told me I need a MS plan OR
I’m only looking for a <xx plan>….
Everyone’s needs are different let’s see which would be a better fit for you…..
I’m just looking right now/I’m just shopping
That’s why most of our clients find it very helpful to have a licensed agent review all the benefits they are entitled to, so they can make an informed decision. TIE BACK TO NEEDS UNCOVERED DURING THE NEEDS ASSESSMENT
I don’t give that information over the phone….
I talk to a lot of people who already have plans and what I was able to do is find them additional benefits in their area and save that money. That’s what I want to do with you. What’s your zip code?
I need to talk to my spouse/children first
I understand you would like to talk to your ____ but remember this plan is about your needs and what you want. I’m sure they are not going to mind you improving your health care and saving money. Is that person available now so we can all talk together?
I have never heard of that carrier…
There are many Private Insurance Companies that offer Medicare Health Plans. These companies, like “____” have contracts with Medicare to offer these types of plans. Let’s review the benefits and see how it fits your needs….
I’m not the type of person who buys on the first call….
What else is there to consider? Your health is important and I’m a licensed agent. Understand there are specific time frames given to make these changes and once that window is closed you may not be able to make a change until the Annual Enrollment Period. Let me ask you this… If there is a plan that meets your needs and budget wouldn’t you want to enroll into that plan?
My children told me not to give out my information
I’m glad that your children are protective of you. Thats why im a licensed agent and will be able to assist you today with all questions you or they can have, I can give you my direct number and extension so you can reach out.
I already have a plan with a zero-dollar monthly premium; why would I want to switch to a plan with a monthly premium?
What are you getting with the $0 premium? They have to be making up the cost of the premium somewhere, and usually it is in outpatient services and surgery or in the Maximum Out of Pocket. Those would both cause you to have higher out of pocket costs compared to a plan with a premium. Let’s see how I can save you money overall.
That’s more than I wanted to spend
Staying in your budget is important. I want to make sure you are getting all the benefits that you need, and this plan has them included. What is more important to you? Staying in your budget or getting the benefits you are looking for?
<If it’s the budget> - I will be more than happy to look at other options.